Cembra Money Bank AG Balance Sheet

Financials in millions CHF. Fiscal year is January - December.

Millions CHF. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	780.98	793.2	921.97	632.64	544.77
Investment Securities	202.36	189.86	98.26	97.34	-
Total Investments	202.36	189.86	98.26	97.34	-
Gross Loans	7,077	7,110	7,150	6,849	6,498
Allowance for Loan Losses	-171.31	-158.45	-156.89	-92.37	-87.78
Other Adjustments to Gross Loans	-321.97	-326.47	-306.21	-237	-203.27
Net Loans	6,584	6,625	6,687	6,520	6,207
Property, Plant & Equipment	29.46	15.5	21.32	25.27	28.86
Goodwill	189.52	189.52	189.52	189.52	156.83
Other Intangible Assets	40.73	45.94	60.11	77.95	70.13
Other Receivables	9.9	12.19	16.97	20.78	42.39
Restricted Cash	35.37	24.67	36.45	17.8	36.48
Other Long-Term Assets	39.96	23.09	33.7	33.11	1.26
Total Assets	7,943	7,949	8,088	7,624	7,095
Accrued Expenses	164.74	210.51	205.97	174.44	167.32
Interest Bearing Deposits	2,989	3,141	3,337	3,347	3,031
Non-Interest Bearing Deposits	600.87	383.69	159.87	166.06	167.92
Total Deposits	3,590	3,524	3,497	3,513	3,199
Current Portion of Long-Term Debt	849.87	400.06	450.02	450	349.99
Current Portion of Leases	4.87	5.29	5.07	5.86	6.45
Long-Term Debt	1,951	2,500	2,648	2,163	2,142
Long-Term Leases	21.15	5.39	11.07	13.89	17.34
Pension & Post-Retirement Benefits	-	-	-	-	3.36
Long-Term Deferred Tax Liabilities	8	5.41	10.36	25.86	5.68
Other Long-Term Liabilities	8.12	13.13	11.09	3.28	3.43
Total Liabilities	6,597	6,664	6,838	6,349	5,895
Common Stock	30	30	30	30	30
Additional Paid-In Capital	259.7	259.73	258.67	258.12	257.68
Retained Earnings	1,106	1,051	997.89	1,010	953.69
Treasury Stock	-42.46	-38.68	-37.38	-36.9	-34.54
Comprehensive Income & Other	-7.61	-16.83	0.57	13.16	-6.56
Shareholders' Equity	1,345	1,285	1,250	1,274	1,200
Total Liabilities & Equity	7,943	7,949	8,088	7,624	7,095
Total Debt	2,827	2,910	3,114	2,633	2,516
Net Cash (Debt)	-2,046	-2,117	-2,192	-2,000	-1,971
Net Cash Per Share	-69.63	-72.07	-74.63	-68.09	-67.06
Filing Date Shares Outstanding	29.3	29.32	29.33	29.34	29.39
Total Common Shares Outstanding	29.3	29.32	29.33	29.34	29.39
Book Value Per Share	45.92	43.83	42.60	43.43	40.85
Tangible Book Value	1,115	1,050	1,000	1,007	973.32
Tangible Book Value Per Share	38.07	35.80	34.09	34.32	33.12

Source: S&P Global Market Intelligence. Banks template. Financial Sources.